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903 S Main St, Covington, TN 38019 Property Records

Tipton County property record for 903 S Main St, Covington, TN 38019

Property Summary

Property TypeSingle Family Home
Details2 ba · 1,945 sqft · built 1949
Lot Size0.427 acres (18,630 sqft)
Owner2 Individual Names on Record
Last Sale$115,000 (Aug 2020)
Tax Bill$992 (2022)
Deeds & MortgagesSep 2022 Line of Credit
Aug 2020 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN084041K B 01100

Property Details

APN / Parcel Number

Primary APN084041K B 01100
Alternative APN
  • 041K B 01100

Interior

Full Baths2 Baths
Plumbing Fixtures5 Plumbing Fixtures
Stories2 Stories
Building Area1,945 sqft Living Area
1st Floor Area1,540 sqft
Upper Floors Area1,350 sqft
FlooringCarpet
Interior WallsPaneling
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1949
Effective Year BuiltEffective 1982
Exterior MaterialSiding
Foundation TypeFooting
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area18,630 sqft (0.427 acres)
Lot Dimensions207 ft deep x 90 ft wide
Garage TypeFinished
Garage Area286 sqft
Parking Spaces1 Parking Space

Exterior Amenities

PorchOpen Porch
Porch Area293 sqft
Patio Area170 sqft
Utility Building144 sqft

Utilities, Heating & Cooling

Cooling SystemHVAC
Heating SystemHVAC
SewerMunicipal
Water SourceCommercial

Location & Zoning

Street Address903 S MAIN ST
CityCOVINGTON
StateTN
Zip38019-3137
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionDISTRICT: 01, COUNTY AREA: C43
JurisdictionTIPTON TN
Township / Civil Division2
Census Block Group5
Census Block5012
Census Tract40700

Owner

Source: Tipton County records, as of January 20, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record2 Individual Names on Record
Mailing Address903 S MAIN ST, COVINGTON, TN 38019-3137
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Sep 23, 2022Deed of Trust, Mortgage · Line of Credit
PATRIOT BANK
Aug 12, 2020Warranty Deed, Transfer · Conventional Mortgage
COMMUNITY MORTGAGE CORP

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleAug 12, 2020 · Amount on Record
Deed SaleAug 12, 2020 · Amount on Record
Prior SaleOct 21, 2016 · Amount on Record
Deed Document Number235949
Deed Book / Page1856 / 247
Record UpdatedJun 8, 2026

September 2022: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionTIPTON TN
Property Address903 S MAIN ST, COVINGTON, TN 38019-3137
Transaction TypeMortgage
Record UpdatedJan 21, 2026

Transferred To (Grantee/Buyer)

NameVerified Name
Address903 S MAIN ST, COVINGTON, TN 38019-3137
InvestorPossibly a Property Investor

Mortgage

Document Number0000197616
DateSep 23, 2022
Book Page1976/16
Instrument260705
Lender
NamePATRIOT BANK
TypeBank
AddressATOKA, TN 38004
Agreement
TypeLine of Credit
AmountAmount Recorded
Term204 Months
DueSep 12, 2039
Interest
Rate TypeAdjustable Rate
Change FrequencyMonthly

August 2020: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionTIPTON TN
Recording DateAug 12, 2020
Property Address903 S MAIN ST, COVINGTON, TN 38019-3137
Document Number0001856247
Book / Page1856 / 247
Instrument DateJun 9, 2020
Instrument235949
Transaction TypeTransfer
Record UpdatedJul 1, 2022
Title CompanyMEMPHIS TITLE CO

Transaction

AmountAmount Recorded
Loan-to-Value (LTV)LTV on Record
Tax$425.50
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address903 S MAIN ST, COVINGTON, TN 38019-3137

Mortgage

Document Number0000235950
DateAug 12, 2020
Instrument235950
Lender
NameCOMMUNITY MORTGAGE CORP
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term359 Months
DueJul 1, 2050

Tax Assessment & Valuation

Source: Tipton County assessment roll, as of May 20, 2025

Property Jurisdictions

TypeName
StateTennessee
CountyTipton County
MunicipalityCovington City
Unified School DistrictTipton County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$43,225 (-) Land $4,700 Building $38,525
2023$43,225 Land $4,700 Building $38,525
2022$992.00
2020$172,900 Land $18,800 Building $154,100

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

Source: FEMA National Flood Hazard Layer, effective August 28, 2019 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Nearby Flood Policies1 in force

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire RiskLow
lower than 96% of the US · lower than 96% of Tennessee
Wildfire LikelihoodUnder 0.01% annual chance
ExposureNone
beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water SystemCOVINGTON WATER DEPT
serves 14,334 people · EPA ID TN0000144
Water SourceGroundwater
Last State InspectionOct 2024
Lead3 ppb (2026–2028)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 375 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
AT&T
Fiber · DSL		5,000 / 5,000
Xfinity
Cable		1,200 / 35

May also be available: T-Mobile, Verizon.

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